A manager’s check is one of the most reliable payment instruments in the UAE. It’s used to pay for real estate, cars, large intercompany transactions, and even deposits under contracts. However, experience shows that many foreigners make mistakes that lead to delays, unnecessary expenses, and even the risk of a failed deal. To avoid this, let’s look at the top 5 most common mistakes when working with manager’s checks in Dubai.
Error #1: Incorrect recipient
A manager’s check is always made out to a specific name or organization. A spelling error—even a single letter—can result in the bank simply rejecting the check.
Tip: Always check the recipient’s details in advance. For real estate transactions, use the developer’s name on the license. For private transactions, use the recipient’s passport or Emirates ID details.
Mistake #2: Issuing a check from a personal account instead of a corporate one
Many entrepreneurs try to pay for business transactions with a check drawn from a manager’s personal account. In the Emirates, this doesn’t always work: if the transaction is between companies, the check must be drawn from the corporate account.
Tip: Before applying, check with your bank which account to draw the check from. For real estate transactions, a personal account is usually sufficient, but for corporate contracts, only a business account is suitable.
Error #3: Incorrect amount or currency
A manager’s check in the UAE is almost always issued in dirhams (AED). Attempts to issue a check in dollars or euros result in refusal or additional fees. Furthermore, the amount stated is strictly fixed—it cannot be changed after issuance.
Tip: Convert your rubles or hryvnias to dirhams in advance through a bank, exchange service, or cryptocurrency. Make sure you have the required amount in your account, down to the last kopeck.
Mistake #4: Not understanding the validity period
A manager’s check has a limited validity period—usually six months. Some investors think the check can be cashed at any time and delay transferring it. This eventually invalidates the check, requiring a new one to be issued.
Tip: Always check the expiration date when issuing and hand over the check to your partner without delay.
Mistake #5: Trying to use a check as “cash”
Some foreigners perceive a manager’s check as cash that can be easily cashed. In practice, things are different: a check is intended for a specific transaction. It can only be cashed upon presentation of documents confirming the transaction (for example, a sales contract).
Additional nuances that are often forgotten
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Banks charge a fee for issuing a manager check – usually between 25 and 100 dirhams, depending on the amount and the terms of the account.
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Not all banks issue checks on the same day: sometimes it can take up to 2–3 business days.
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For non-residents, obtaining a manager check can be more difficult: banks often require a visa, Emirates ID, or proof of source of income.
Result
A check manager is a convenient and secure tool in the Emirates, but only if used correctly. Mistakes in details, currency, or misunderstanding of deadlines can be costly. To avoid problems, confirm all details with the bank in advance, record the amount in dirhams, and use the check strictly for its intended purpose.
